| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $153K | $153K | 10.13% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $17K | $17K | 12.06% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.00% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $8K | — | $8K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $382 | — | $382 | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $46 | — | $46 | 0.09% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $26 | — | $26 | 0.05% |
| MARTIN MCCALL3 | 315 COUNTRY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $2K | — | $2K | 8.03% |
| GROUP SERVICE UNDERWRITERS INC3 | P.O. BOX 2181 LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $273 | — | $273 | 1.19% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $227 | — | $227 | 0.99% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $1K | $24 | $1K | 5.12% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $103 | — | $103 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $83 | — | $83 | 0.41% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $549 | $46 | $595 | 5.42% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $53 | — | $53 | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $49 | — | $49 | 0.45% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $121 | — | $121 | 1.41% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 4.48% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 4.15% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 3.17% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINANCIAL SERVICES INC | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $336 | — | $336 | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $112 | — | $112 | 5.00% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $11 | — | $11 | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $9 | — | $9 | 0.40% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.65% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $85 | — | $85 | 4.91% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 4.61% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 3.62% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 2.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 5.87% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 4.85% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 6.25% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 2.81% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $42 | — | $42 | 32.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 VENDOR - NETWORK ADMIN | Contract Administrator Service code 13 | 2110 FAIR PARK BLVD, STE I JONESBORO, AR 72401 | $170K |
| MF BLOCK COMPANY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | $20K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 367 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD | 415 | $144K |
| Vision | VISION SERVICE PLAN | 130 | $23K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 196 | $74K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 37 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 367 | $1.5M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 196 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.